Avis Binance 2024 : Test Complet Plateforme Crypto

Mise à jour le April 28 2026 par José PEREZ

⚠️ Cryptocurrencies are volatile and unsecured assets. Investing carries a risk of capital loss. This article is informative and does not constitute financial advice.

Points to remember

• Binance is the world's largest cryptocurrency exchange platform, with over 170 million registered users.
• Registration is free, fast and accessible from any browser or the official mobile application.
• Rates are among the lowest on the market - 0.1 % on spot trades, reducible thanks to the BNB token or a referral code.
• The platform is registered as a PSAN with the AMF in France, giving it a minimum legal framework.
• Customer service is the black mark most often cited in user reviews - slow, automated, hard to reach.
• There's no classic affiliate program, but a generous referral system, with up to 40 % commission on your referrals' trading fees.
• Credible alternatives exist: Coinbase, Kraken, Bitget, or Bitpanda, depending on your profile and level of experience.

What is Binance? Quick overview

[featured_image size="large" class="custom-class"] I'm going to start with the basics, so that you have a clear vision before going any further.

Binance is the world's number one cryptocurrency exchange platform, by transaction volume. It was founded in 2017 by Changpeng Zhao, better known as CZ. In less than six months since its launch, it has become the world's leading crypto exchange. It's a meteoric rise, unparalleled in the history of digital finance.

Today, Binance handles several tens of billions of dollars in daily transactions. It offers more than 350 crypto-currencies for exchange, and its services go far beyond simple buy-sell.

What Binance offers in concrete terms

Binance is not just a trading platform. It's a complete ecosystem. Here's what you'll find:

• Binance Spot : buying and selling cryptos at market prices, in real time.
• Binance Futures Leveraged trading, for experienced traders only.
• Binance Earn passive return products (staking, flexible savings, dual investment).
• Binance Pay a payment service using cryptocurrencies, between individuals or at certain merchants.
• Binance NFT a marketplace for non-fungible tokens.
• The Binance Visa card A bank card linked to your crypto account, with BNB cashback.

It's a dense universe, sometimes confusing for beginners. But this functional richness is also what makes Binance so much stronger than its alternatives.

Binance in France: what's the legal framework?

This is a point I'd like to address frankly, as it often comes up in reviews and queries from French-speaking users.

Binance is registered as a PSAN - Prestataire de Services sur Actifs Numériques - registered with the Autorité des Marchés Financiers. This registration does not constitute full approval, but it does imply obligations in terms of anti-money laundering, identity verification (KYC), and transaction traceability. In practice, this means you can use Binance legally from France, declaring your crypto capital gains to the tax authorities.

Binance features put to the test

Let's move on to the actual test. I'm going to describe the user experience as it is, without embellishing.

The web interface

Binance's interface is powerful. It is also, it must be said, intimidating for a neophyte. The main dashboard displays a profusion of information: candlestick charts, order book, trade history, technical indicators. For an experienced trader, this is an ideal environment. For a beginner, it's potentially anxiety-provoking.

Binance has tried to compensate for this by offering a simplified view, accessible from the parameters. It's more streamlined, and more than enough to buy or sell basic cryptos. I advise you to start there.

The mobile application

Binance's mobile app is available on iOS and Android. In my opinion, this is one of the platform's strong points. It's fast, stable and offers almost all the features of the web version. Login to your account is via password, facial recognition, or fingerprint depending on your device.

Store reviews are generally positive, with ratings of around 4.2/5 on the App Store and Google Play. Recurring criticisms concern frequent updates and minor bugs on some Android models.

Buying cryptos in euros

Purchasing is simple. You fund your account via SEPA bank transfer - free of charge and processed within 1 to 3 working days - or by credit card, with higher charges (around 1.8 %). Once your account has been credited with euros, you can buy the crypto of your choice in just a few clicks.

Binance Earn: passive income

Binance Earn lets you «work» your cryptos, without selling them. Flexible staking, for example, lets you deposit assets and earn daily interest, with the option of withdrawing at any time. Rates vary according to the crypto and market conditions. It's a service I like for its simplicity, even if returns have fallen since the peaks of 2021-2022.

Rates, fees and prices: what Binance really costs you

The question of pricing is central to any serious review of Binance. I'll give you the key figures, without unnecessary jargon.

Spot trading fees

The standard rate for a spot trade is 0,1 % per transaction, for both buying and selling. This is one of the lowest fees on the market, and a strong argument against the alternatives.

This rate can be reduced in two ways:

• By holding BNB (Binance's native token) into your account: Binance then applies a reduction of 25 % to your fees, bringing them down to 0.075 %.
• Via a sponsorship code When you register, if you use a sponsor's code, you'll receive an additional discount on your fees of up to 20 %.

Deposit and withdrawal fees

SEPA credit transfer deposits in euros are free of charge. Withdrawals in euros are also possible, subject to certain conditions. On the other hand, cryptocurrency withdrawals to an external wallet are subject to fixed fees, which vary according to the network used (Ethereum, BNB Chain, Tron...). These fees are clearly displayed before validation - a good practice for transparency.

Futures and advanced products

For futures (leveraged trading), fees are 0.02 % for maker orders and 0.04 % for taker orders. These are competitive rates, but margin trading involves considerable risk. I don't recommend it for beginners.

Is there a Binance promotional code?

This is a question many people ask themselves before signing up. There are no promo codes in the classical sense of the word - no discounts on subscriptions, because Binance doesn't offer subscriptions. However, the referral code plays this role. By registering via the link of an existing user, you get a permanent discount on your trading fees. It's free, without obligation, and can be combined with the BNB discount.

Is Binance reliable and secure? My clear opinion

This is the most important section of this article, in my opinion. And I'm going to give you a nuanced answer, because reality is complex.

The hack of 2019: what happened?

In May 2019, Binance suffered a major cyberattack. Hackers stole around 7,000 bitcoins, the equivalent of $40 million at the time. This is a serious event, which I'm not minimizing.

What struck me about the handling of this incident was the platform's response. Binance reimbursed all affected users in full, drawing on its SAFU funds - the Secure Asset Fund for Users. This fund, made up of 10 % of the trading fee, is specifically designed to cover this type of event. Since 2019, the security of the platform has been considerably strengthened.

Available safety tools

Binance offers several layers of protection for your account:

• Two-factor authentication (2FA) via Google Authenticator or SMS
• White list of collection addresses only pre-approved addresses can receive your funds
• Anti-phishing code a personal code displayed in every official Binance email, to detect attempts at usurpation
• Connection history you can view every connection to your account, with IP and device used

I strongly recommend that you activate all these features as soon as you register. It's basic digital hygiene, but it makes all the difference.

CZ's legal troubles

In November 2023, Changpeng Zhao pleaded guilty in the USA to breaches of anti-money laundering laws. He was sentenced to a prison term and resigned from the management of Binance. At the same time, the platform agreed to pay $4.3 billion in fines to the US authorities.

These events have shaken the confidence of many users, and I understand this reaction. That said, Binance continues to operate, under the leadership of a new CEO, Richard Teng. The platform has strengthened its regulatory compliance since then. It's an issue I'm keeping an eye on, and one I'd encourage you to do the same before investing large sums.

Is Binance legal in France?

Yes, Binance is PSAN registered with the AMF. You can use it legally. However, your cryptocurrency earnings are taxable in France - at a flat rate of 30 % (prélèvement forfaitaire unique), unless you opt for the progressive scale. Keep an accurate record of your transactions.

User opinions: what comes up most often

I've compiled the most recurrent feedback, from independent review platforms and specialist forums. Here's what users are really saying.

High points

• Liquidity Binance offers the tightest spreads on the market, thanks to its colossal volumes. You buy and sell at the best possible price.
• The crypto catalog More than 350 assets available. Here you'll find cryptos you can't find anywhere else.
• Low costs 0.1 % per trade, that's hard to beat.
• The mobile application Responsive, complete and pleasant to use on a daily basis, according to the majority of reviews.

Recurring blackheads

• Customer service customer service: this is undoubtedly the most common complaint. Binance customer service is hard to reach. Human responses are rare. The chatbot handles simple requests, but is powerless to deal with complex cases (blocked account, missing transfer, KYC verification problem). Resolution times can take several weeks.
• Complexity for beginners The interface is rich, but can discourage newcomers. Menus are numerous, options sometimes counter-intuitive.
• KYC verification The identity verification process can be lengthy and temperamental. Some users report unexplained refusals or repeated requests for documents.

My personal opinion

Technically, Binance is the best platform on the market for intermediate to advanced users. The fees, liquidity and depth of the catalog are unrivalled. But I wouldn't recommend Binance as a first contact with cryptos, precisely because of the complexity of the interface and the weakness of customer service. If you're just starting out, an alternative like Coinbase or Bitpanda will be much easier to tame.

Registering and logging on to your Binance account: step by step

Here's the clearest possible guide to registration. Every step counts.

Step 1: Create your free account

Go to binance.com. Click on «Register». Enter your email address and create a strong password. Registration is completely free - no hidden fees, no subscription.

If you have a referral code, enter it here. You'll receive a permanent discount on your trading fees. Don't forget - it cannot be added after validation.

Step 2: KYC verification

Binance is subject to strict regulatory obligations. Identity verification is mandatory to access all features. You will need to provide :

• Official identification (national ID card, passport)
• A verification selfie
• In some cases, proof of address

The process is automated and usually takes just a few minutes. In some cases, it can take up to 48 hours. Be patient, and make sure your documents are legible.

Step 3: Secure your account

Before depositing, you must activate :

• Double authentication (2FA) via Google Authenticator - more reliable than SMS.
• Anti-phishing code in the security settings.
• The white list of addresses if you plan to make withdrawals to external wallets.

Step 4: Make your first deposit

Go to «Portfolio» then «Deposit». Choose «Euros» and select SEPA transfer to avoid charges. Follow the bank instructions displayed. Your account will be credited within 1 to 3 business days.

Step 5: Download the mobile application

The Binance app is available free of charge from the App Store and Google Play. Download it only from these official stores - third-party versions are phishing attempts. Login from the app with the same credentials as your web account, plus 2FA.

Binance sponsorship: how does it work?

It's a mechanism that many people underestimate. I'll explain why it deserves your attention.

The sponsorship program in detail

Binance offers a sponsorship generous. By sharing your referral link, you earn a commission on the trading fees of every user registered via your link. The standard rate is 20 %, but it can climb to 40 % if you have at least 500 BNB in your account.

Technically, this is a’affiliation. It's not affiliation in the classic sense of a dedicated platform like 1TPE or ClickBank, but the mechanism is identical: you recommend, your referrals trade, you earn.

Is it really profitable?

For a blogger or content creator with an audience in the crypto or personal finance fields, this is a real source of passive income. If your referrals are active, commissions accumulate on an ongoing basis. For an ordinary user, the occasional referral of a few friends and family generates modest but regular income.

My advice: if you already have an audience, even a modest one, activate this program as soon as you sign up. It's free, risk-free and potentially lucrative in the long term.

Binance vs. alternatives: which platform to choose?

Here's the most honest comparison possible. I've built it by cross-referencing my own tests with the most documented reviews available.

Which alternative for which profile?

Choose Binance if you're an intermediate or advanced user, trade regularly, and low fees are your top priority. Sponsorship and the BNB discount make it the cheapest platform in the comparison.

Choose Coinbase if you're new to cryptos and want a crystal-clear interface, with more responsive customer service. Fees are higher, but the experience is infinitely smoother for beginners.

Choose Kraken if you place a premium on transparency and regulatory soundness. Kraken is often cited as the most reliable platform on the market, with top-notch customer service.

Choose Bitget if you want to access copy trading - the ability to automatically reproduce the trades of experienced traders. This is a feature not available on Binance.

Choose Bitpanda if you're based in Europe and want an interface in French, designed for beginners, with responsive customer service.

To sum up

Binance is the most powerful and least expensive crypto platform on the market. Its unbeatable fees, plethoric catalog, and impeccable mobile app make it a first-rate tool for any user who knows what they're getting into.

But Binance is not a platform for everyone. Its poor customer service, complex interface and criminal record call for extra vigilance. If you're just starting out, I'd recommend Coinbase or Bitpanda for your first steps. If you're comfortable with cryptos and looking to optimize your fees, Binance is the natural choice.

In all cases: only invest what you're prepared to lose. Activate all available security options. And use a referral code as soon as you sign up - it's one of the few things in this business that's really free and without any strings attached.